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Integrated Shield Plan claims for COVID-19:

With effect from 7 Aug, Singaporeans, permanent residents and long-term pass holders who travel abroad under permitted travel arrangements with certain countries will be allowed to make claims against their Integrated Shield Plans for medical bills if they are admitted for suspected COVID-19 and have onset of symptoms within 14 days of returning to Singapore. Please note that should you fall outside of this category of claimants, we will not be able to process your IncomeShield claim.

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Here’s how IncomeShield Standard Plan complements your MediShield Life coverage.

For a more detailed look at what you are covered for, you may view the full coverage table here.

The Ministry of Health (MOH) has announced changes to the Integrated Shield Plan (IP) riders on 7 March 2018 and all IP insurers are to incorporate co-payment features in new IP riders. Income has withdrawn the existing 4 riders as of 1 March 2019. You can read more about the changes and the details of the Plus Rider, Assist Rider, Daily Cash Rider and Child Illness Rider here.

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Your queries answered.

Your insured child must be age 18 or younger during the stay in hospital and the insured’s parent or guardian stayed and shared in the same room. We will pay up to 10 days for each stay in hospital. If the insured is in the hospital for only part of a day, we will pay half of this benefit for that day.

If the treatment is provided by our panel^, the maximum co-payment per policy year is up to $3000.

If you are claiming for pre-hospitalisation treatment, post-hospitalisation treatment or special benefits (if it applies), we will not apply the co-payment limit if the treatment during the insured’s stay in hospital is not provided by our panel^.

If you are claiming for consultation fees, medicines, examinations and tests for outpatient hospital treatment, we will not apply the co-payment limit if the insured’s stereotactic radiotherapy, radiotherapy, chemotherapy, immunotherapy (if it applies) or outpatient renal dialysis is not provided by our panel^.

For each claim that meets the limits on special benefits (if it applies) or the limit for each policy year of your policy, the co-payment for that claim will not be added towards the co-payment limit of $3,000 for each policy year.

When there is more than one treating registered medical practitioner or specialist for the insured’s stay in hospital, stereotactic radiotherapy, radiotherapy, chemotherapy, immunotherapy (if it applies) or outpatient renal dialysis, we will apply the co-payment limit as long as the main (or primary) treating registered medical practitioner or specialist is part of our panel^.

^Panel means a registered medical practitioner, specialist, hospital or medical institution on our approved list. You can find the approved list at www.income.com.sg. We may update this list from time to time.

The benefits are as shown in the table.

Benefits Panel^ Non-panel
Deductibles and co-insurance Does not apply
Co-payment 10% of the benefits due under your policy
Co-payment limit (each policy year) Up to $3,000 No limit
Additional non-panel payment (each policy year) Does not apply Up to $2,000
Extra bed benefit Refund up to $80 per day (up to 10 days for each hospital stay) if the parent/guardian stays in the hospital with the insured child (aged 18 or younger)

^Panel means a registered medical practitioner, specialist, hospital or medical institution on our approved list. You can find the approved list at www.income.com.sg. We may update this list from time to time.

Classic Care Rider is a rider attached that covers the deductible and co-insurance parts of your IncomeShield Standard Plan.

While this rider is in force, there is no deductible or co-insurance due under your policy. However, you will have to make a co-payment and an additional non-panel payment (if it applies) for each claim.

If the treatment during the insured’s stay in hospital is not provided by our panel^, you will have to make an additional non-panel payment of up to $2,000 in each policy year for your claims for inpatient hospital treatment, pre-hospitalisation treatment, post-hospitalisation treatment or special benefits (if it applies).

When there is more than one treating registered medical practitioner or specialist for the insured’s stay in hospital, we will apply the additional non-panel payment as long as the main (or primary) treating registered medical practitioner or specialist is not part of our panel^.

For each stay in hospital of 12 months or less that is not provided by our panel^, the maximum additional non-panel payment for one policy year is $2,000 (even if the stay in hospital runs into the next policy year). If the stay in hospital is for a continuous period of more than 12 months but less than 24 months, you must also pay the maximum additional non-panel payment of $2,000 for the next policy year. And, for each further period of 12 months or less that the stay in hospital extends for, you must pay the maximum additional non-panel payment of $2,000 for one extra policy year.

^Panel means a registered medical practitioner, specialist, hospital or medical institution on our approved list. You can find the approved list at www.income.com.sg. We may update this list from time to time.

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